Direct Line

cuddles123

hi,
My sister has home and contents insurance with Direct Line.
Her renewal shows an increase of £50 on her premium, so she would like to shop around. However DL are saying that they will charge a cancellation fee of £42 if she doesn't renew.

Surely she hasn't broken any contracts, and is not wanting to leave early as she has been with them for several years?

Can anyone advise if this is legal and / or enforceable please?

Keep_pedalling

It sounds like she has left it beyond the renewal date it it has auto renewed.

cuddles123

Keep_pedalling wrote: »

It sounds like she has left it beyond the renewal date it it has auto renewed.

No - her renewal is due at the end of the month.

Quentin

Maybe she spoke to them and asked about "cancelling" her policy??

If so they may have quoted their cancellation fee

In fact she wants to "lapse" the policy when it ends

There's no charge for that

cuddles123

I will check with her, but he said that the cancellation fee was mentioned in the renewal quote letter.
prior to that she hadn't spoken to them since renewing last year.

Quentin

cuddles123 wrote: »

... he said that the cancellation fee was mentioned in the renewal quote letter.

Yes, there is a fee for "cancelling" a policy. Good of them to underline that.


It will also be set out in the policy docs


But as #4 above, there is no fee for letting a policy "lapse"!

cajef

Just renewed mine with DL, it states that there is a fee of £43.68 to cancel the policy, there is no fee if not wishing to renew when renewal is due.

dunstonh

Cancelling is different to not renewing.

She needs to tell them that she is not going to renew that policy at renewal.

She must not say she wants to cancel the policy.